# ICICI Emeralde Private Metal vs HDFC Infinia Metal

ICICI Emeralde Private Metal costs ₹12,499 a year and HDFC Infinia Metal ₹12,500. They differ on airport lounge access, transfer partners, the statuses they open and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [ICICI Emeralde Private Metal](https://getbrief.cards/cards/icici-emeralde-private-metal), ICICI Bank
- [HDFC Infinia Metal](https://getbrief.cards/cards/hdfc-infinia-metal), HDFC Bank

| | ICICI Emeralde Private Metal | HDFC Infinia Metal |
|---|---|---|
| Annual fee | ₹12,499 + GST | ₹12,500 + GST |
| Fee waiver | Waived at ₹10,00,000 spend per card year | Waived at ₹10,00,000 spend per card year |
| Forex markup | 2% | 2% |
| On ₹1,00,000 spent abroad | ₹2,360 in markup and GST | ₹2,360 in markup and GST |
| Network | Mastercard | Visa |
| Everyday spend | 6 RP / ₹200 (3%) | 5 RP / ₹150 (3.33%) |
| Rewards in | ICICI Reward Points, ₹1 a point at the bank’s baseline | HDFC Reward Points, ₹1 a point at the bank’s baseline |
| Transfer partners | 1 programme | 10 programmes |
| Airport lounges | unlimited domestic and international visits | unlimited international visits · unlimited domestic visits |
| Statuses it opens | GHA Discovery Titanium and Taj Epicure | GHA Discovery Titanium |
| Applications | Paused or by invitation | Paused or by invitation |
| Last checked | 20 October 2026 | 25 August 2026 |

## How each one earns

### ICICI Emeralde Private Metal

- 6 RP / ₹200 (3%) · verified · checked 13 June 2026
- 12X via iShop (hotels) · 36 RP/₹100 · verified · checked 24 June 2026
- 6X via iShop (flights/vouchers) · 18 RP/₹100 · Amazon Pay, Swiggy, Kalyan, Tanishq and Reliance Jewels vouchers reportedly earn about 3% since Jan 2026 · verified · checked 24 June 2026
- Capped 1,000 RP/cycle each: grocery/utility/education · verified · checked 13 June 2026

Every rule on the ICICI Emeralde Private Metal page: https://getbrief.cards/cards/icici-emeralde-private-metal

### HDFC Infinia Metal

- 5 RP / ₹150 (3.33%) · ✓ official · checked 11 June 2026
- 10X via SmartBuy hotels only · 50 RP/₹150, cap 15K RP/mo · verified · checked 24 June 2026
- 5X via SmartBuy vouchers/flights (Gyftr) · 25 RP/₹150, cap 15K RP/mo overall · brand vouchers capped at 3K RP/mo from 1 Jul 2026 · ✓ official · checked 25 August 2026

Every rule on the HDFC Infinia Metal page: https://getbrief.cards/cards/hdfc-infinia-metal


## Questions

### What is the annual fee of ICICI Emeralde Private Metal and HDFC Infinia Metal?

As of 20 October 2026, ICICI Emeralde Private Metal: ₹12,499 + GST, waived at ₹10,00,000 spend per card year. HDFC Infinia Metal: ₹12,500 + GST, waived at ₹10,00,000 spend per card year.

### Which charges less on spend abroad, ICICI Emeralde Private Metal or HDFC Infinia Metal?

As of 20 October 2026, both charge a 2% markup: ₹2,360 on ₹1,00,000 spent abroad, GST included.

### Do ICICI Emeralde Private Metal and HDFC Infinia Metal come with airport lounge access?

As of 20 October 2026, ICICI Emeralde Private Metal: unlimited domestic and international visits. HDFC Infinia Metal: unlimited international visits · unlimited domestic visits.


## Other cards side by side

- [HDFC Infinia Metal vs HDFC Diners Club Black Metal](https://getbrief.cards/compare/hdfc-infinia-metal-vs-hdfc-diners-club-black-metal)
- [HDFC Infinia Metal vs Axis Magnus](https://getbrief.cards/compare/hdfc-infinia-metal-vs-axis-magnus-std)
- [Axis Burgundy Private vs HDFC Infinia Metal](https://getbrief.cards/compare/axis-burgundy-private-vs-hdfc-infinia-metal)
- [SBI Card Aurum vs HDFC Infinia Metal](https://getbrief.cards/compare/sbi-aurum-vs-hdfc-infinia-metal)
- [ICICI Times Black vs HDFC Infinia Metal](https://getbrief.cards/compare/icici-times-black-vs-hdfc-infinia-metal)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/icici-emeralde-private-metal-vs-hdfc-infinia-metal